Side-by-side · Q2 2026 data
State Bank vs Citizens Community Credit Union
Metric by metric
| Measure | State Bank | Citizens Community Credit Union |
|---|---|---|
| TellerScore | 61 | 88 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 77 (stronger) | 76 |
| Earnings | 52 | 87 (stronger) |
| Funding & liquidity | 82 (stronger) | 79 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 19th | 92nd |
| Total assets | $74.9M | $253.6M |
| Deposits / shares | $68.2M | $201.9M |
| Capital ratio | 8.31% | 19.14% (stronger) |
| Problem loans | 0.70% (stronger) | 0.73% |
| Net charge-offs | -0.01% (stronger) | 0.76% |
| Return on assets | 0.80% | 1.69% (stronger) |
| Loans ÷ deposits | 74.8% (stronger) | 81.1% |
| Uninsured deposits | 18.0% | 5.0% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Community Credit Union has the higher TellerScore (88 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Bank leads on 3 and Citizens Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.